Buy Now, Pay Later with PayBright

  • Real-Time Decision
    Applying for PayBright financing is quick and easy—simply provide a few details about yourself and get a real-time decision so you can purchase what you love now and pay over time.
  • Easy Monthly Payments
    Enjoy the convenience of automatic monthly payments with no hidden costs and no surprises. You'll see your monthly payment amount before you confirm your payment plan, so you'll know exactly what you owe up front.

How It Works

  • 1
    Select PayBright at Checkout
    Add your item to your cart as usual, and select PayBright as your payment method. You will then be redirected to PayBright to view payment plan details.
  • 2
    Apply Online
    Apply with PayBright's easy online application in under a minute and get an instant approval decision.
  • 3
    Enjoy Your Purchase
    Once you complete your checkout with PayBright, we'll process and ship your order right away—no waiting necessary.

Frequently Asked Questions

Can I use a discount code with Paybright?

No, discount codes do not work when using Paybright. Discount codes are applied only to orders being paid via credit card or Paypal.

How do I use PayBright?

  • Add items to your Cart as usual, and select PayBright as your payment method in Checkout.
  • Complete PayBright's easy online application and get an instant approval decision.
  • Confirm your payment plan with PayBright and return to Wayfair to complete your order. We'll process and ship your order as usual.
  • Make 4 Biweekly Payments for orders from $100-1,500
  • Make 6 Monthly Payments for orders $1,500-$15,000

How do I make my monthly payments?

PayBright will help you set up convenient, pre-authorized payments via your bank account or your Visa or Mastercard credit / debit card.

Are there any limits on how much I can spend with PayBright?

While PayBright makes financing easy, PayBright financing is not available for orders under $100 or over $15,000.

Who can apply for a PayBright payment plan?

PayBright payment plans are available to Canadian residents above the age of majority, which is 18 or 19, depending on your province.

Can I use PayBright to pay for only part of my purchase?

PayBright financing is applied to your entire order. To use PayBright for only part of your purchase, please complete two separate transactions with different payment methods.

Can I prepay my outstanding PayBright balance?

Yes, all PayBright payment plans can be prepaid at any time without penalty.

I was not able to complete a PayBright transaction. What happened?

Unfortunately, PayBright is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or because PayBright was not able to verify your identity or your payment method. For further information, please contact PayBright .

How do I access my PayBright account?

After you have completed a transaction with PayBright, you can access your account here . If you have any questions or trouble logging in, please contact PayBright.

How do returns work if I paid using PayBright?

Purchases made using PayBright financing are subject to Wayfair's standard return policy . Any returns will be processed by Wayfair, and your PayBright loan balance will be reduced or cancelled accordingly. If you have already made monthly payments, those will be refunded to you by PayBright.

Still Have Questions?

We're here to help! Call us at 1-800-964-8699 or Email us at
*Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile. Monthly payments include a $2 processing fee. Some conditions may apply and all transactions are subject to approval by PayBright. Estimated monthly payment amount excludes taxes, shipping, and other fees.